Personal Service with a difference
Peach Financial Group including Peach Home Loans and Expat Home Loans is one of the most experienced and innovative mortgage brokers in Australia. Peach has been operating since 2000 when we pioneered a streamlined home loan application process saving you time and money on your new home loan or mortgage refinancing needs. We don’t offer insurance, accounting, financial planning or consumer advice – we are home mortgage specialists.
We are licensed to arrange loans and leases under the National Consumer Credit Protection Act 2009 (NCCP Act). The NCCP Act regulates the activity of lending, leasing, and finance broking. We are licensed to arrange loans and leases under the National Consumer Credit Protection Act 2009 (NCCP Act). The NCCP Act regulates the activity of lending, leasing, and finance broking
Key Information about us
Name: Dyscall Pty Ltd trading as Peach Financial Group
Address: 44 The Crescent, Port Melbourne VIC 3207
Aust Credit Licence: #385357
Internal complaints officer: Rachael Boulton – firstname.lastname@example.org – 03 9021 0984
External Dispute Resolution: Credit and Investments Ombudsman Ltd phone 1800 138 422, www.cio.org.au or,
Australian Financial Complaints Authority 1800 931 678 – email@example.com
Services we provide
- We will help you to choose a loan which is suitable for your purposes
- We will provide you with information on a broad range of financiers and products. Once you have chosen a loan or lease that is suitable for you, we will help you to obtain an approval
- If you have already chosen a financier, and we will assist you to obtain an approval
Our panel of lenders
The following are the lenders with whom we generally conduct the most business:
Heritage Building Society
Information we require from you
Under the NCCP Act, we are obliged to ensure that any loan or principal increase to a loan we help you to obtain is not unsuitable for you. To decide this, we may need to ask you some questions in order to assess whether the loan or lease is not unsuitable. The law requires us to:
- make reasonable inquiries about your requirements and objectives;
- make reasonable inquiries about your financial situation;
- take reasonable steps to verify that financial situation.
Credit will be unsuitable if at the time of the assessment, it is likely that at the time the credit is provided:
- you could not pay or could only pay with substantial hardship;
- the credit will not meet your requirements and objectives.
For example, if you can only repay by selling your principal place of residence, it is presumed that the loan will cause substantial hardship unless the contrary is proved. For this reason we must ask you to provide a significant amount of information. It is therefore very important that the information you provide us is accurate.
We must provide you with a copy of our preliminary credit assessment of your application if you ask within 7 years of when we assist you. We are only required to give you a copy of the credit assessment if we give you credit assistance.
If we arrange a loan for you to purchase or refinance real estate, remember you must make your own enquiries about the value of the real estate and its potential for future growth. Although we may obtain a valuation, that is for our own use and you should not rely on it.
Fees payable by you
There are normally no fees payable by you as we are paid commission by the lender when your loan settles. However if a loan is unconditionally approved and subsequently withdrawn by you or cancelled by the lender due to your non-disclosure of pertinent facts, where allowed by law we may recover our processing costs up to a maximum of $750
Commissions received by us
We may receive commissions from the lenders who provide finance for you as our customers. These are not fees payable by you. You may obtain from us information about a reasonable estimate of those commissions and how the commission is worked out.
Our internal dispute resolution scheme
We hope you are delighted with our services, but if you have any complaints you should notify us by contacting our Complaints Officer by:
- telephoning 3 9021 0984
- e-mailing firstname.lastname@example.org
- writing to Complaints Officer, PO Box 303, Port Melbourne 3207 or by speaking to any representative of our business who will refer you to the Complaints Officer.
You should explain the details of your complaint as clearly as you can. You may do this verbally or in writing. When we receive a complaint, we will attempt to resolve it promptly. We hope that in this way we will stop any unnecessary and inappropriate escalation of minor complaints.
Our external dispute resolution scheme.
Things you should know
We do not make any promises about the value of any property you finance with us or its future prospects. You should always rely on your own enquiries.
We do not provide legal or financial advice. It is important you understand your legal obligations under the loan, and the financial consequences. If you have any doubts, you should obtain independent legal and financial advice before you enter any loan contract.
If you have any questions about this credit guide or anything else about our services, just ask at any time. We are here to help you.
Your application manager is our credit representative
What is a credit representative
A credit representative is a person who has been authorised by a credit licensee to engage in specified credit activities on behalf of the licensee. Your application manager works exclusively for Peach Financial Group and the information specified above also applies specifically to the credit representative.
The credit representative receives no volume bonus or other incentive to offer one product over another. A bonus payment may be made to the credit representative where you, the client positively comment on the work performed by the credit representative.
Your credit representative is:
Privacy Consent and Declaration
We do not make credit inquiries and so we are not required to obtain your signed consent.
Collection and use of your information
Peach and its representatives will only seek to collect necessary information from you in order to provide you with the
credit assistance you have sought from us. We may also use this information for purposes associated with our services
such as follow-up calls to assist you.
Disclosure of personal information
Peach and its representatives will never unnecessarily exchange your personal or business information with any third party
for any reason, unless compelled by force of law. However, in order to assist you, we may be requiredto provide your
personal information to certain organisations. If your information is not provided, we may be unable to assist you. We may exchange the information with the following types of entities, some of which may be located overseas. The
types of organisations include:
- Organisations which provide finance or other products to you or to whom an application has been made.
- Finance consultants, accountants and auditors, conveyancers and legal advisers, insurers, printers and mailing services.
- Any associates, related entities, contractors and our mortgage aggregator (Vow Financial Pty Ltd).
- Any industry body, tribunal, court or otherwise in connection with any complaint regarding our services.
- Any person where we are required by law to do so.
- Your referees, such as your employer, to verify information you have provided.
- Any person considering acquiring an interest in our business or assets.
- Any organisation providing online verification of your identity.
Access and alterations to your personal information
You can gain access to your personal or company information or advise alterations to that information by contacting our
Contact Person: Andrew Hunter
Address: PO Box 287, Dorrigo NSW
From time to time, Peach may contact you with information about products from either ourselves or our industry affiliates
that we believe may interest you. To opt-out of receiving such information, simply let us know by contacting us directly
using the office details above.
Security of your personal information
Peach takes reasonable steps to ensure the security of your personal or company information from unauthorised access,
theft or modification.
Feedback on the handling of your personal information
Should you be unsatisfied in the manner in which Peach has handled your personal information please contact us (per
details listed above). We will take all necessary steps to investigate and address your concerns. If the issue you have raised
is not resolved to your satisfaction you should contact the Office of the Australian Information Commissioner at:
Ph: 1300 363 992
Mail: GPO Box 5218
SYDNEY NSW 2001.
You can learn more about the Privacy Act and your rights at www.privacy.gov.au